Compare 2009 Ford Ranger Insurance Rates

Searching for better car insurance rates for your Ford Ranger? Searching for the lowest price car insurance on the internet can be overwhelming for consumers not familiar with comparing rates on the web. With so many insurance agents and online companies, how are we expected to efficiently compare them all to find the cheapest price possible?

If you have car insurance now, you will most likely be able to cut costs considerably using these tips. Shopping for affordable car insurance is quite easy. Although drivers must learn how insurance companies price online insurance and take advantage of how the system works.

Insurance rate influencing factors

The best way to find cheaper insurance is to take a look at the rating factors that are used to determine insurance rates. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that may result in cheaper rates.

• Cut rates and deter theft – Selecting a car model with anti-theft technology or alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent your car from being stolen.
• File policy claims and pay more – If you are the type of insured that files lots of claims you shouldn’t be surprised to get higher premiums or even policy non-renewal. Car insurance companies award the best rates to policyholders who are not frequent claim filers. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
• Premiums increase with driving tickets – Even a single driving citation can boost insurance rates by as much as twenty percent. Attentive drivers have lower premiums compared to bad drivers. Drivers who have gotten serious violations such as reckless driving, hit and run or driving under the influence may find they need to file a SR-22 with their state’s licensing department in order to prevent a license revocation.
• Save money by raising physical damage deductibles – Insurance for physical damage, also called ‘full coverage’, insures against damage to your Ford. Some coverage claims would be colliding with a building, vandalism, and windstorm damage. The deductibles are how much you are required to pay if the claim is covered. The higher the amount you are required to pay out-of-pocket, the less your insurance will be for Ranger insurance.
• Extra coverages can add up – Policies have additional extra coverages that sound like a good idea at the time if you don’t pay attention. Insurance for things like rental car coverage, towing coverage, and motor club memberships are probably not needed. The coverages may be enticing when talking to your agent, but if they’re wasting money eliminate them to save money.

How to buy insurance coverage

Most larger insurance companies like 21st Century, Allstate and State Farm allow consumers to get price estimates on their websites. Comparing rates online is fairly straightforward because you just enter your required coverages as detailed in the form. Once you submit the form, their quoting system requests credit information and your driving record and quotes a price based on the data you entered.

Quoting online makes it simple to compare prices but the time it takes to visit many different websites and type in your information is repetitive and time-consuming. But it’s absolutely necessary to get many rate quotes in order to get lower prices.

Keep reading for an easier way to compare prices

A better way to compare rates utilizes a single form that gets prices from more than one company. The form is fast, requires much less work on your part, and makes rate comparisons much easier to do. Immediately after submitting the form, your coverage is rated with multiple companies and you can pick your choice of the quotes returned.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. This process just takes a couple of minutes and may result in a nice savings.

To use this form to compare rates, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you replicate your coverages exactly as shown on your declarations page. Doing this assures you will be getting rate quotes for similar coverage.

Lower rates by qualifying for discounts

Car insurance companies do not advertise every policy discount very clearly, so the following is a list of a few of the more well known and the harder-to-find ways to save on insurance. If you do not check that you are getting every discount available, it’s possible you qualify for a lower rate.

• Telematics Devices – Drivers who agree to allow their company to look at when and where they use their vehicle by using a telematics device in their vehicle such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they show good driving skills.
• College Student Discount – who live away from home to go to college and don’t have a car could qualify for this discount.
• Bundled Policy Discount – If you can combine your home and auto policy and place coverage with the same company you could earn a discount of approximately 10% to 15%.
• Discounts for Federal Employees – Employees or retirees of the government may qualify for a discount when you quote auto insurance for Ranger insurance but check with your company.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a lower insurance rate if you buy auto and life insurance together.
• Passive Restraint Discount – Options like air bags or motorized seat belts may earn rate discounts up to 30%.
• Claim-Free Discount – Good drivers with no accidents pay much less when compared with drivers with a long claim history.
• Own a Home and Save – Owning a house can save you money because owning a home requires a higher level of personal finance.
• Renewal Discounts – Some insurance companies provide a discount for switching companies before your current expiration date. This discount can save up to 10%.

A little disclaimer on discounts, most discount credits are not given to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.

A few popular companies and some of the premium reductions they offer are:

• State Farm includes discounts for safe vehicle, multiple policy, defensive driving training, passive restraint, good driver, and accident-free.
• Liberty Mutual may include discounts for hybrid vehicle, good student, new graduate, teen driver discount, and new move discount.
• American Family has savings for bundled insurance, mySafetyValet, multi-vehicle, good student, Steer into Savings, TimeAway discount, and early bird.
• Progressive has discounts for multi-vehicle, online quote discount, online signing, multi-policy, good student, and homeowner.
• Farmers Insurance discounts include early shopping, good student, bundle discounts, business and professional, and switch companies.
• Auto-Owners Insurance offers discounts including paid in full, mature driver, multiple vehicles, paperless, group or association, and air bags.
• SAFECO offers premium reductions for multi-car, bundle discounts, accident prevention training, drive less, and safe driver.

Before purchasing a policy, check with each insurance company how you can save money. Some discounts may not be available in your area. For a list of insurance companies that offer many of these discounts, click this link.

Car insurance is unique, just like you

When it comes to buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

These are some specific questions can help discover whether your personal situation might need an agent’s assistance.

• Do I need rental car coverage?
• Does insurance cover damages from a DUI accident?
• If I drive on a suspended license am I covered?
• Can I rate high risk drivers on liability-only vehicles?
• Am I covered when using my vehicle for business?
• Do I pay less if my vehicle is kept in my garage?
• Should I carry comprehensive and collision coverage?
• Is my 2009 Ford Ranger covered for smoke damage?
• Should I buy additional glass protection?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Car insurance policy coverages for a 2009 Ford Ranger

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your Ford Ranger.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, vandalism, falling objects, hail damage and hitting a bird. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses such as dental work, chiropractic care, EMT expenses, X-ray expenses and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

This will cover damage that occurs to other people or property. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as medical services, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Collision coverage protection

This coverage covers damage to your Ranger resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, sideswiping another vehicle, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Don’t throw your cash in the trash

Cheap 2009 Ford Ranger insurance can be purchased on the web as well as from insurance agents, and you should compare rates from both in order to have the best chance of saving money. Some companies do not provide internet price quotes and many times these small, regional companies provide coverage only through local independent agencies.

Drivers switch companies for many reasons like poor customer service, denial of a claim, being labeled a high risk driver or unfair underwriting practices. Regardless of your reason for switching companies, switching auto insurance companies is less work than it seems.

As you quote auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. Too many times, someone sacrificed uninsured motorist or liability limits only to regret that it was a big mistake. The aim is to buy a smart amount of coverage at the best price and still be able to protect your assets.

More detailed auto insurance information is located by following these links:

• What is Gap Insurance? (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)